Manual underwriting is how all loans were evaluated before computer algorithms took the human logic out of the process. Simply stated, a loan that is manually underwritten is one where a person
3 Types of Decorative Molding for Accent Walls
Dated: March 10 2020
Decorative accent moldings come in a wide variety of styles. Interior designers use these to add visual interest to rooms and spaces while highlighting desirable features and distracting from less attractive elements. Understanding the options and purposes of decorative molding allows use of a design tool that is relatively inexpensive and simple but will elevate any home style.
• Baseboards and Crown Molding – The most common of moldings include baseboards and crown molding. These essentially frame a wall and typically are painted bright White or soft cream to highlight the wall color.
• Chair Rails and Picture Rails – Chair rails are designed to serve a functional purpose: to protect the wall from damage caused by chairs, usually in a dining area. They also add a decorative element by delineating between two paint colors, or perhaps wallpaper and paint. A picture rail is comprised of the same kindof thin wood strip as used in a chair rail, but typically placed a few feet below the ceiling. A picture rail allows the homeowner to hang decor without damaging the wall. When coupled with crown molding, a picture rail can create the impression of a higher ceiling, adding a sense ofluxury.
• Wainscoting – Common in traditional homes, wainscoting is paneling placed against a wall, originally used to camouflage walldamage near the floor of older homes with water seepage. Modern homes have a multitude of choices from which to choose. These decorative treatments are often used to make a room look larger or cozier, depending on the height of the paneling.
Moldings come in a variety of styles and sizes, and each can be used for a different purpose. Relatively simple to install, decorative molding can change the feelof any space.
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